Cheryl A Robinson

US Patent:

20120084198, Apr 5, 2012

Filed:

Sep 30, 2010

Appl. No.:

12/894682

Inventors:

Dawn M. Patton - Matthews NC, US
Kevin S. Kauffman - San Francisco CA, US
Mary S. O'Toole - Plainview NY, US
John F. Race - Waxhaw NC, US
Judey L. Thessen - Decatur GA, US
Vanessa Chung - Petaluma CA, US
Cheryl E. Robinson - Doraville GA, US
Barbara J. Watson - Sugar Hill GA, US
Yvette M.H. Hayes - Richmond VA, US
Maria L. Mitchell - Arlington TX, US
Kipling B. Dixon - Windsor CT, US
Mary N. Sylvester - Jacksonville FL, US
Susan R. Bushnell - Waxhaw NC, US
Todd L. Elmquist - Federal Way WA, US
Frank J. Fogliano - Monroe NY, US

Assignee:

Bank of America Corporation - Charlotte NC

International Classification:

G06Q 40/00

US Classification:

705 39

Abstract:

A server includes a memory that stores a plurality of availability schedules, and a processor communicatively coupled to the memory. The processor is operable to access an automated clearing house (ACH) debit transaction received at an originating depository financial institution (ODFI) from an originator, determine an availability schedule associated with the originator from the plurality of availability schedules, credit a percentage of the amount of funds of the ACH debit transaction to a delayed settlement account associated with the originator, and transfer a portion of the amount of funds credited to the delayed settlement account to a general operating account of the originator on a particular day determined from the availability schedule. The delayed settlement account has one or more associated rules that prevent the originator from withdrawing funds from the delayed settlement account.

US Patent:

8219368, Jul 10, 2012

Filed:

May 18, 2009

Appl. No.:

12/467701

Inventors:

Vijay B. Akella - Charlotte NC, US
Nicholas G. Hesse - Loudon TN, US
Matthew S. Kukielski - Charlotte NC, US
Cheryl E. Robinson - Doraville GA, US
Bryant Lee Osborn - Culpeper VA, US
Thomas A. Wheeler - Richmond VA, US
James E. Dunevant - Mascoutah IL, US
Christian P. Selmi - San Carlos CA, US

Assignee:

Bank of America Corporation - Charlotte NC

International Classification:

G06G 7/48

US Classification:

703 6

Abstract:

Embodiments of the present invention provide apparatuses and methods for a capacity model run-time estimator that determines the transactional capacity of an application. The capacity model run-time estimator is based on a model that includes at least one job with various steps within a run-time window. One or more windows make up shifts and one or more shifts make up a day. Historical data is used to estimate various run-times for each of the steps in a window. If the steps are dependent on transaction characteristics a statistical analysis is used to determine a run-time window estimator model that is dependent on the transaction characteristics. Constraints are placed on the run-time and transaction capacity of the windows, intra-windows, and shifts. The capacity model uses the run-time window estimators and constraints to determine the transaction capacity for an application across various periods and compares the results to forecasted capacity.

Author:

Cheryl Robinson

ISBN #:

0061193119

Author:

Cheryl Robinson

ISBN #:

0451214056

Author:

Cheryl Robinson

ISBN #:

0451217462

Author:

Cheryl Robinson

ISBN #:

0451222288